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A Mortgage that will make you say Wow!


Wow Mortgages have an easy, user friendly application, close faster and have shorter terms than a traditional 30-year mortgage, helping to save you thousands of dollars. Rates are low, take advantage before they go up! If you’re looking to refinance an existing mortgage or buy a new home, the time is Wow! View all Rates

2.378% APR1

3.126% APR1

  • Available in 7 1/2, 10, 14 1/2 and 19 1/2 year terms.
  • No Points
  • Purchase or Refinance
  • Easy, user friendly application process.



Or visit any FNCB Bank Community Office or call 1-877-879-3622. 

1WOW Mortgages are available on 1st lien, 1-4 family owner occupied primary residence or vacation homes with a minimum loan amount of $25,000. Annual Percentage Rates (APRs) range from 2.378% for 7½ years with a monthly payment of $12.14 per $1,000 borrowed to 3.376% for 19½ years with a monthly payment per $1,000 borrowed of $5.84. Payments disclosed do not include taxes & insurance. If you choose to establish an escrow account, the actual payment obligation will be greater. Advertised APRs require loan amount not to exceed 80% of the value of the property and borrowers must meet specific underwriting criteria. Optional rate lock fee of $200 is payable at application. Property insurance is required; flood insurance may be required if applicable. Title insurance may be required with WOW Mortgages over $100,000.00. Rates reflect a 0.25% reduction for loan payments being auto drafted from an FNCB checking account. Loan terms are accurate as of 8/5/21 and are subject to change without notice. All loans are subject to credit approval. 

Branch Update:  Our Community Offices are open for your banking needs.

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